The worse. They made me wait almost 4 months on a house that was not a short sale and just told 2 days ago I do not qualify. They made spend money on appraisal. my loan agent told me for the last 90 days, every day that the loan has been aproved and that every thing looked good. he swore more than ten times that I was going to have the house before the hollydays. It ruined everything and I do not recommend it NOT AT ALL!!!